The 411 on Travel Insurance


There’s nothing more wonderful than anticipating the adventure and excitement of an upcoming holiday. Whether you’re further familiarising yourself with the sights and sounds of your own country, or you’re venturing abroad in search of unexplored vistas, there’s no doubt that the prospect of new experiences and unknown marvels is a delightful one. Often, however, in order to truly enjoy a carefree break away, some planning does need to be done in advance. There’s always passports, credit cards and travel documents to account for, technological aids such as phones and laptops to cram into carry-on baggage, and of course agonizing decisions to be made over clothing items.

alastairhumphreysAlong with these pertinent details, however, there is one more significant thing for you to consider: travel insurance. While it can be easy to get distracted by the hubbub of packing and organizing, it is important that you allow yourself the time to review travel insurance options, to ensure that you select the right kind of cover for your trip. Depending on the circumstances, the unpredictability of travel can be fun and titillating, but it can also be frustrating and upsetting. Imagine falling ill in a foreign country, having your possessions stolen, or being subjected to constantly delayed flights – these are all things which could completely wreck your entire holiday experience.

Luckily, these are also all situations in which travel insurance can swoop to the rescue. There are a range of great insurance policies which can support all kinds of travellers, wherever you’re going and whatever you’re doing on your getaway. Before you head off on your trip, however, make sure that you completely understand exactly what, when and where you’re covered for, as certain exclusions do apply. Remember – it’s always better to be safe than sorry when it comes to matters of health, safety and security while you’re travelling.


Medical Cover

Accidents can occur anywhere and at any time, but having them happen when you’re away from the home is always a terrible experience. While no-one likes to depart on a holiday thinking that they might suffer a serious injury or contract a disease, the unfortunate truth is that these things are a possibility, so it’s always a good idea to protect your wellbeing just in case. If you find yourself in a situation where you need urgent medical attention overseas, it can be very difficult, not to mention extremely pricey, to get the help you need. People who haven’t invested in travel insurance are personally liable for covering all their medical costs, so you definitely don’t want to end up paying out of your own pocket if you become physically injured or fall ill.

When discussing medical cover with your insurance provider, make sure you read the fine print and inquire about any and all exclusions. It’s always important to be completely honest about your history and pre-existing medical conditions.


Personal Possessions

worldtravelIt doesn’t matter if you’re taking one bag or five on your holiday – losing your possessions, or having them stolen, is always devastating. It only takes a second of carelessness or forgetfulness for the worst to happen, and while most of us aim to be vigilant whilst travelling, we can’t constantly be on guard against something as elusive as potential thievery. This is where travel insurance comes in.

Depending on the policy, valuable items such as cameras, laptops and/or jewellery may have item limits or may not be covered, so it is important to check with your insurer beforehand to know what is and isn’t covered under your policy.

As with medical cover, you will need to discuss these issues, and any other questions you might have, with your insurance provider. Be sure you understand exactly what your travel insurance covers when it comes to your personal belongings.


Flight Delays and Cancellations

When you’re at the mercy of busy airlines, flight mix-ups and machinery breakdowns, it can be hard to get where you’re going when you want to. Another handy reason to have travel insurance is that it does cover you financially if there are disruptions to your travel plans. steve_wanWhether you need to get on another flight because your one is delayed, or your tickets need to be refunded due to a cancellation, you can rest assured knowing you won’t be losing out even if things do take a turn for the worst. Again, this is something you’ll undoubtedly want to clarify with your provider, to ensure that you fully comprehend the terms of your policy and that there are no crossed wires down the line.

The Final Word: Peace of Mind

They say that if you can’t afford to pay travel insurance, you can’t afford to travel – and that’s a pretty sound conclusion in our books! In regards to travelling, it’s always best to have a realistic mindset; to hope for the best and prepare for the worst. By investing in travel insurance, you’ll only be helping yourself to enjoy a wonderful holiday without constantly worrying about the what-ifs.


Launched in September of 2012, – operated by Compare the Market Pty Ltd (CTM) – has teamed up with a range of Australia’s insurance providers so you can compare some of the latest deals, in one place, side-by-side. The team behind have experience in insurance, comparison, customer service and digital. If this was a stuffy corporate monologue, we’d tell you that we’re a bunch of subject matter experts specialising in User Experience, Customer Insights & Online Strategies. But to be honest, it’s just as accurate (and a whole lot easier) to say that we’re a bunch of people who want to make your experience with online comparison better. We pride ourselves on the fact that we’re forward-thinking, that we share an entrepreneurial spirit, and the fact that we like to have a bit of a laugh too. We’re all a bit too addicted to chocolate, but no one’s perfect, really.

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